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Title Insurance Minnesota

Title Insurance Minnesota

Protecting Minnesota Property Owners with Trusted Title Insurance

Purchasing real estate in Minnesota is a major financial milestone. Whether you’re buying a home in Minneapolis, farmland in southern Minnesota, a lake property in Brainerd, or a commercial building in St. Paul, protecting your ownership rights is essential. Title insurance safeguards Minnesota property owners against hidden title defects, legal claims, and financial losses that could arise long after closing.

At Secure Title Company, we apply extensive knowledge of Minnesota real estate law and local property practices to every transaction, helping ensure your ownership is protected from the start.

Why Minnesota Property Buyers Need Title Insurance

Minnesota’s land records reflect centuries of ownership changes, from early railroad and agricultural development to modern urban expansion. This layered history can create risks that aren’t always visible during a standard transaction. Title insurance provides critical protection against past issues that could threaten your rights as a property owner.

  • Clear Ownership Under Minnesota Law – Confirms that your ownership is valid and enforceable under Minnesota statutes, helping prevent future legal challenges to your title.
  • Protection from Minnesota-Specific Risks – Covers issues such as Torrens vs. abstract property complications, agricultural liens, mineral rights claims, and historical easements common throughout Minnesota.
  • Single Premium, Long-Term Protection – A one-time premium paid at closing protects you for as long as you own the property, offering lasting peace of mind for Minnesota homeowners and investors.

Understanding Minnesota Title Insurance Requirements

Minnesota does not require buyers to purchase title insurance by law, but nearly all lenders require a lender’s policy to secure financing. An owner’s policy, while optional, is the only way to protect your personal ownership interest.

Minnesota Title Insurance Policies

  • Owner’s Policy – Protects your ownership rights and equity in your Minnesota property for as long as you or your heirs retain ownership.
  • Lender’s Policy – Required by most Minnesota mortgage lenders to protect their loan interest until the mortgage is paid off.
  • Expanded Coverage Options – Available for Minnesota properties, offering additional protection for boundary disputes, survey issues, zoning conflicts, and unrecorded easements.

Common Title Issues in Minnesota Real Estate

Minnesota properties—both urban and rural—can be affected by title complications that surface after closing. Title insurance protects against:

  • Torrens System Errors – Minnesota’s Torrens registration system can still contain clerical or legal errors. Title insurance protects against losses stemming from registration defects.
  • Agricultural and Mechanic’s Liens – Unpaid contractor work or agricultural liens can attach to property without a buyer’s knowledge.
  • Unresolved Estate or Probate Issues – Properties passed through generations may involve missing heirs or incomplete probate proceedings.
  • Boundary and Access Disputes – Especially common with lakefront, rural, and shared-access properties across Minnesota.
  • Fraud or Forged Documents – If fraud appears in the chain of title, your policy provides legal defense and financial protection.
Our Services
Phone-
(701) 367 6563
Email id-
info@securetitlecompany.com
Place an Order

Our Services

Phone-

(701) 367 6563

(701) 367 6563

Email id-

info@securetitlecompany.com

Place an Order

The Title Insurance Process in Minnesota

Secure Title Company follows Minnesota regulations while delivering thorough, efficient service:

Detailed Minnesota Title Search

We review county land records, Torrens certificates (when applicable), tax records, judgments, and historical documents to identify potential issues.

Evaluation of Minnesota Property Factors

Our team examines state-specific considerations such as water access rights, agricultural restrictions, and local zoning ordinances.

Clearing Title Issues

Before closing, we resolve discovered issues—such as unpaid liens or documentation gaps—so your title meets Minnesota standards.

Policy Issuance and Closing

After confirming clear title, we issue your Minnesota title insurance policy and coordinate closing in compliance with state and local requirements.

Client Reviews

testimonials

What our clients say

Secure Title is the best closing company in town. As a realtor, I make sure to send all of my clients here because they are constantly going above and beyond and make sure to provide a great experience for every one of my clients! I’m impressed again and again every time I have a closing here. Thank you Secure Title for providing such a great service for the FM area!

Spencer Hron

Since Secure Title started, I have sent all my clients there to close. The big reason why is because how welcoming and accommodating they have been to help make my clients feel welcomed and excited to either close on their brand new home or sell their home. I would highly recommend choosing Secure Title as your closing company.

Jacob Keller

Secure Title is the best! Sasha and her team are the best in town, there’s nowhere else I trust more to take care of my clients! They are professional, detailed and their hospitality are second to none!

Josh Jaster

We LOVE Secure Title. Exceptional title services, fast and personable! They never fail! The staff is amazing, creating a brilliant team with the lenders in town!

Missie Schumaier
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Why Choose Secure Title Company for Minnesota Title Insurance?

Minnesota Real Estate Knowledge

We understand Minnesota property law, including homestead protections, marital property rules, and Torrens registration.

Local County Experience

Familiarity with Minnesota county recording systems allows us to process transactions efficiently and accurately.

Proactive Risk Resolution

We identify and address title concerns early, reducing surprises after closing.

Client-Focused Service

Every Minnesota transaction is unique. We provide guidance tailored to your specific property and goals.

Frequently Asked Questions About Minnesota Title Insurance

Minnesota law does not require it for buyers, but lenders typically require a lender’s policy. An owner’s policy is strongly recommended.

Your policy covers legal defense costs and covered financial losses, even if the issue arises years later.

Yes. Minnesota’s Torrens system, homestead laws, and property regulations make local expertise especially important.

Costs are regulated and based on the purchase price. The premium is paid once at closing and remains effective for as long as you own the property.

Yes. Family transactions can still have hidden liens or ownership defects.

In Minnesota, either the buyer or seller can select the title insurance company, though lenders may have preferred providers for their policy. Typically, the buyer pays for the owner’s policy, while the lender pays for the lender’s policy, but this can be negotiated during closing.

Protect Your Minnesota Property Investment Today

Your Minnesota real estate purchase deserves strong protection against hidden risks. Contact Secure Title Company today to learn how title insurance can help safeguard your ownership and financial future.